More rain expected in southwest Colorado as residents continue to deal with flooding
More rain expected in southwest Colorado as residents continue to deal with flooding

Authorities in southwest Colorado are warning residents that streams and rivers are expected to rise again as another round of rain moves into the area on Sunday. This comes as many residents are already dealing with the effects of this week’s catastrophic flooding. The Animas River…
Tips for Consumers to Get Fair Treatment from Insurance Companies After Hurricane Isaias
Tips for Consumers to Get Fair Treatment from Insurance Companies After Hurricane Isaias

Washington, D.C. – Today the Consumer Federation of America (CFA) and United Policyholders (UP) shared tips and resources to help consumers get their wind and flood insurance claims paid quickly, fully, and fairly in the wake of Hurricane Isaias. Initial estimates indicate that the storm…
Your home insurance may not cover El Niño flood damage. Here’s what to know.
Your home insurance may not cover El Niño flood damage. Here’s what to know.

While intense storms aren’t guaranteed during El Niño, experts say it’s better to be safe than sorry. Diana Zoga reports for the NBC4 News at 6 p.m. on Wednesday, Sept. 23, 2026.
Get this key protection for your home before El Niño hits California
Get this key protection for your home before El Niño hits California

With El Niño expected to bring heavier and more frequent storms to California this winter, homeowners are being urged to consider flood insurance now, since standard home policies generally don’t cover flooding and some flood policies have waiting periods of up to 30 days before…
States where home insurance got cheaper, and what they’re doing right
States where home insurance got cheaper, and what they’re doing right

Although homeowners insurance rates have been rising significantly across the nation, new Insurance.com data shows that 16 states saw average annual premiums fall from 2025 to 2026. There’s no single reason for these decreases. In some states, targeted resilience grants, insurance discounts, and a slower-than-normal…
Insured Not Entitled To Additional Coverage For Water, Mold Damage, Panel Says
Insured Not Entitled To Additional Coverage For Water, Mold Damage, Panel Says

A trial court did not err in granting a property insurer’s motion for summary judgment in a water and mold damage coverage dispute because the policy clearly excludes mold damage and requires repairs to be completed within two years of the date of loss in…
After storms bring damage to region, here’s what to know about filing an insurance claim
After storms bring damage to region, here’s what to know about filing an insurance claim

ROCHESTER, N.Y. — As the Rochester region continues to clean up from damage caused by Saturday’s storms, News10NBC is tracking another round of strong to severe storms for Tuesday. See our latest forecast here. News10NBC issued a Yellow Alert for locally heavy downpours, strong winds,…
Policyholders Win In Calif. Water Leak Precedent Ruling
Policyholders Win In Calif. Water Leak Precedent Ruling

Policyholder advocates in California won a significant victory on Thursday when a state appeals court said litigators can cite a recent ruling that could give legal guidance in disputes over whether… Read more
What’s UP With Water (or Service) Line Insurance?
What’s UP With Water (or Service) Line Insurance?

As a homeowner, you’re responsible for the pipes that connect your water and sewer lines to the main public water delivery system in your area. If those pipes corrode, leak or fail due to age or wear and tear, your home insurance likely will not…
Insurers deemed mold too risky decades ago. That coverage gap still surprises homeowners
Insurers deemed mold too risky decades ago. That coverage gap still surprises homeowners

When a nor’easter struck in 2018, intense winds blew shingles, gutters and siding off Brandi Schmitt’s home in Lothian, Maryland. Her family was without electricity for three days, during which time all of their food in the refrigerator spoiled and water continued to leak into…
The Hidden Risk: How Mold Coverage Gaps Leave Homeowners Vulnerable
The Hidden Risk: How Mold Coverage Gaps Leave Homeowners Vulnerable

As a journalist with over 20 years of experience in the legal and insurance sectors, I’ve seen firsthand how the complexities of insurance coverage can catch homeowners off guard. One of the most surprising gaps in coverage involves mold—a problem that is becoming increasingly prevalent…
A “Flood” of Uncertainty; Massachusetts SJC Finds Policy Term Ambiguous
A “Flood” of Uncertainty; Massachusetts SJC Finds Policy Term Ambiguous

The highest court in Massachusetts recently held that term “Flood” and the associated phrase “surface waters,” as used in two all-risk insurance policies, is ambiguous in the context of water that accumulated on a parapet roof and rooftop courtyard, thereby negating the insurers’ attempt to…
Policyholder Attys Cheer Justices’ Ruling On ‘Surface Waters’
Policyholder Attys Cheer Justices’ Ruling On ‘Surface Waters’

Like a bridge over troubled water, Massachusetts’ highest court laid down a rejection of the term “surface waters,” finding insurers couldn’t rely on the phrase to limit coverage to a storm-damaged hospital… Read more.
Insurance – ‘Surface waters’ – Roof
Insurance – ‘Surface waters’ – Roof

Where the 1st U.S. Circuit Court of Appeals has certified a question asking whether rainwater that landed on the roof of a hospital and subsequently inundated the interior of the building constituted “surface waters” under Massachusetts law, the definition of “surface waters” does not include…
States beg insurers not to drop climate-threatened homes
States beg insurers not to drop climate-threatened homes

Property insurance companies say they’re taking losses amid escalating disasters. In the coming years, climate change could force Americans from their homes, not just by raising sea levels, worsening wildfires and causing floods — but also by putting insurance coverage out of reach. In places…
State Farm denies another homeowner’s claim for water damage
State Farm denies another homeowner’s claim for water damage

More homeowners are coming forward saying State Farm is denying their water leak damage claims. CBS 8 is Working for You to find out if this is a pattern by the insurance company. Mark Matthews has lived in his Chula Vista home for 25 years. And, he…
What Does “Surface Water” Mean? NAPIA Files an Amicus Brief in a Legal Fight Over Its Meaning
What Does “Surface Water” Mean? NAPIA Files an Amicus Brief in a Legal Fight Over Its Meaning

The term “surface water” generally refers to water that accumulates on the ground’s surface in a diffuse manner, typically resulting from precipitation (rain or snow) that does not flow within a defined channel or watercourse. This definition is crucial in understanding coverage limitations and exclusions…
Catch UP on Insurance for Repairing Flood Damage with David Maurstad
Catch UP on Insurance for Repairing Flood Damage with David Maurstad

In this Catch UP segment, Amy Bach talks to David Maurstad about Flood Insurance. David Maurstad is FEMA’s Assistant Administrator of Federal Insurance Directorate and Senior Executive of the National Flood Insurance Program (NFIP).